SpendWisely

💳✨ One of the best things about all Amex credit cards is that almost every type of spend counts towards milestone benefits. And that makes Amex cards especially useful for categories where many other cards give little or no rewards — like ⛽ fuel, 🏛️ government payments, 🛡️ insurance, 💰 NPS contributions etc. (See the screenshot of my chat with Amex 👇)

👉 The Amex Reserve Credit Card offers a monthly milestone benefit where you get a ₹1,000 gift card (choose from BigBasket 🛒, Tata CliQ 🛍️, MakeMyTrip ✈️, PVR 🎬, BookMyShow 🍿) on ₹50,000 monthly spend.

And the best part? Even here, there are no spend exclusions for milestone qualification. 👏

Here’s how the rewards stack up 👇

🔹 Base rewards:
1 Reward Point per ₹50 spend = 2 Points per ₹100 spend
Assuming 1 point = ₹0.50 value ➝ approx 1% valueback 💰

🔹 Monthly milestone:
₹1,000 gift card on ₹50,000 spend ➝ Additional 2% valueback 🎁

➡️ Total = Approx 3% valueback on regular spending

🔹 Use Amex Multiplier portal:
Buy gift cards of popular brands through Amex Multiplier and earn 2X additional points 🚀

➡️ Extra ~2% valueback
➡️ Total becomes up to 5% valueback 🔥

So effectively:

⛽ Fuel, Insurance, Government Payments, NPS & Utilities
✅ No base rewards but eligible for milestone benefits
➡️ 2% valueback through milestone rewards

🛒 Regular spends
✅ 1% base rewards + 2% milestone
➡️ 3% valueback

🎯 Amex Multiplier spends
✅ 1% base + 2% milestone + 2% extra
➡️ 5% valueback

Apart from rewards, Amex Reserve also includes premium lifestyle benefits ✨

🎁 Accor Explorer Membership every year
🍽️ Taj Epicure Membership every year
🥂 EazyDiner Prime Membership every year
🛫 12 Domestic Lounge Accesses/year (2 per quarter)
🌍 2 International Lounge Accesses/year + Free Priority Pass
⛳ Complimentary Golf Games every month (subject to ₹50,000 spend in previous month)

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🎉 Plus, if you apply through referral on or before 31st May, you can get 19,000 Amex Membership Rewards points (worth approx ₹9,500 or potentially much higher depending on redemption) 🎁

🔗 Referral link (if interested in applying):
👉bit.ly/46eCjfc

If you frequently stay at Accor 🏨 or Taj 🏨, this card may be a useful proposition, considering the joining benefits, annual memberships and other premium lifestyle benefits. ✨

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🏨 Accor Explorer Membership Benefits (FREE with this card)

🌍 Valid across ibis, Novotel, Swissotel, Sofitel & 40+ Accor brands worldwide

🍽️ Dining Benefits
✅ Flat 30% OFF on food
✅ 15% OFF on beverages
• Valid across Asia Pacific
• One of the best hotel dining memberships 💯

🛏️ Stay Benefits
✅ 15% OFF on room rates (worldwide)
✅ Bonus Accor reward points on stays
✅ Complimentary welcome drink 🍷🥤 per person per stay
✅ Late checkout (subject to availability)

⭐ Accor Loyalty Boost
✅ Instant Silver Status (20 status nights)
➡️ Just ~10 more nights → Gold Status

✨ Gold Benefits:
• Higher upgrade chances
• Priority services
• Better overall stay experience

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🏨 Taj Epicure Membership Benefits (FREE with this card)
✅ 20% Discount on Room Stay
✅ 25% Discount on Food & Beverages
✅ 25% Discount on QMIN Food Delivery
✅ 1+1 Drink during Happy Hours at Taj Club Lounge
✅ 20% Discount at Spa at Taj Hotel
✅ 20% Discount at Salon Experiences at Taj Hotels
✅ One Time Voucher to Access Pool with Lunch & Wine for 4 people at just Rs.3000+GST.
✅Free Half KG Cake upon during during Birthday Month

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📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in
Some links may be referral links in the above post. It supports the page without any cost to you.

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10 hours ago | [YT] | 5

SpendWisely

🙏 Thanks ⁨‪@ameyakarve‬ for your kind words about SpendWisely. Really happy to know that you fould the content on SpendWisely useful in your credit card journey 😊

I also truly admire your deep knowledge and expertise in 💳 credit cards, especially when it comes to ✈️ airmiles-based reward optimisation. The insights you share are incredibly valuable 👏👏

Anyone looking to learn how to maximise 💳 credit card rewards through ✈️ airmiles should definitely subscribe to ⁨@ameyakarve⁩ 🙌🔥

📍 Reference (1:47:35):
youtube.com/live/nhDXW6q7baM?si=Ri3StJpU1dXy4Gcd&t…

2 days ago | [YT] | 22

SpendWisely

✅✅✅ HSBC coming back with Accor bonus offer

🚨 Guys, this is NOT a joke… this is an actual post by HSBC India on Instagram 😳🔥

Looks like the rumour about Accor moving away as an HSBC transfer partner may have been part of an official transition plan all along 🤫🥺😅

What makes this interesting is that the rumour spread earlier, and many users had already transferred their HSBC reward points to Accor before this announcement 👀💳✈️🏨

👉 If you haven’t yet applied for HSBC Travel One or HSBC Premier and want to accumulate some really valuable points, this could be the right time to consider it.

💎 HSBC Premier:
✔️ Requires ₹50 Lakhs TRV (including Demat share transfer)
✔️ If Demat transfer takes time, even a temporary cash deposit in HSBC Premier account for 5–6 days may help get the card approved faster
✔️ Earn 20K points as joining benefits within days of approval (subject to eligibility & terms)

🌍 HSBC Travel One:
✔️ Easier eligibility
✔️ More accessible for many users
✔️ Strong option for travel-focused reward earners ✈️🏨

If anyone is considering HSBC Travel One, now may be worth evaluating the opportunity 👀

🔗 In case you want to apply for HSBC Travel One, here is the link: bit.ly/44o6iBz

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in/

Some links may be referral links in the above post. It supports the page without any cost to you.

#creditcard #spendwisely #creditcards #hsbc #hsbctravelone #rewardpoints #accor #travelrewards #airmiles #hote

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4 days ago | [YT] | 13

SpendWisely

✈️💳🎉 Completed my ICICI EPM reward points’ transfer to ➡️ Air India Maharaja Club under the 50% Bonus Offer ✅🔥🚀

👉As expected, reward points from the current month’s spending were also credited in time and successfully transferred under the offer 👏👏💯

📌 Total transferred: 1,82,424 ICICI reward points 💳✨which converted into 1,82,424 Air India miles.
🎁 Expected Bonus: 91,212 additional Air India miles 🛫🎉🔥

Let’s look at the numbers from the last 14 months with the ICICI Emeralde Metal Credit Card 👇👇

💰 Total spend: ₹13,21,398
⭐ Reward points earned: 2,07,008 points 🎯💎
🎁 Additional Air India bonus miles expected: 91,212 miles ✈️🔥🎉

Assuming a conservative valuation of ₹1 per Air India mile 💵 (and premium cabin redemptions can easily give much higher value 🛫🥂✨), total rewards work out to:

💎 Approx. total reward value: ₹2,98,220 😲💰🎉
🔥 Effective reward rate: 22.56% on spends 🚀📈💳 😱😱😱

🤯 That’s a whopping return on regular spending!

This clearly shows how strategic transfers during bonus offers + smart redemption planning = massive value extraction from super premium credit cards 💡💳➡️✈️➡️🏝️🏨

🏆 Nearly ₹3 lakh worth of rewards generated on ₹13.2 lakh spend is simply phenomenal 🔥🔥👏👏

⚠️But remember, all these rewards and airmiles carry such high value, only if you already spend significant amount on air travel and hotels, and these airmiles can replace your existing cash spending. Else, people who do not travel by air, these rewards are worthless. Better go for real cashback cards 💸💸💸✅✅✅

Have you also transferred under this ICICI ➡️ Air India bonus offer? 🤔👇 Share in comments ! 💬🎁✈️

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in/

Some links may be referral links in the above post. It supports the page without any cost to you.

#creditcard #spendwisely #creditcards

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4 days ago | [YT] | 15

SpendWisely

Great news and a much-awaited development! ✈️🎉

👉Air India’s Maharaja Club miles can also be used for Air India Express: 👏👏👏

✅✅✅ The ability to use Maharaja Club miles on Air India Express significantly improves the overall value and practicality of these miles 💳✨. With Air India Express operating on many domestic and regional routes, this opens up more redemption opportunities, better flexibility, and easier mileage utilisation 🏝️🛫.

This enhancement makes earning and accumulating Maharaja Club miles much more rewarding for frequent flyers 🙌🔥. A positive step towards improving the loyalty ecosystem! 🚀

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in

#creditcard #spendwisely #creditcards

6 days ago | [YT] | 10

SpendWisely

💳📉 Is this the real reason behind the sharp drop in credit card reward rates, reduced benefits, and the flood of devaluation announcements lately? 🤔🔥 👇👇👇 See the newspaper clipings from today’s ET 👇👇👇

Here’s an interesting perspective 👇

👉 Credit card rewards 🎁 and premium benefits ✈️🏨 are largely funded by the interest paid by credit revolvers — users who don’t pay their full credit card bill on time and carry forward outstanding balances 💸

👉 Such users often pay 45–48% annual interest 😳💰 on outstanding amounts, sometimes calculated from the transaction date. Historically, this has been one of the largest revenue streams for card issuers 🏦

👉 Banks also earn from:
✔️ Annual fees 💳
✔️ Late payment charges ⚠️
✔️ EMI interest 📆
✔️ Forex markup 🌍
✔️ Other fees & penalties 💵

…but interest from revolving balances has traditionally been a major profit engine 🚀

👉 Over the last few years, the percentage of credit revolvers reportedly dropped from around 44% to 22% 📊⬇️ — almost half 😮

👉 Fewer revolvers = fewer people paying massive interest 💸 = lower profitability from revolving balances 📉 = potentially fewer rewards & benefits 🎁❌

👉 One reason - Awareness 🧠📚

More users now see credit cards as reward optimisation tools 🎯💳 instead of short-term borrowing instruments 💰

More people are:
✅ Paying bills in full every month
✅ Maximising cashback & rewards 🎁
✅ Converting spends into flights ✈️, hotels 🏨 & luxury experiences 🌴

…instead of paying interest 😅

👉 This trend affects entry-level cards the most, because historically a larger share of revolvers came from this segment.

That may explain why we increasingly see:

📉 Lower cashback rates
🚫 More exclusions
🔒 Tighter reward conditions
💔 Frequent devaluations
🧾 Spend thresholds everywhere

👉 Super-premium cards 💎✨ often operate differently.

Banks know these customers are less likely to revolve balances, but more likely to seek luxury experiences such ad:

✈️ Air travel
🏨 Luxury stays
🍽️ Fine dining benefits
🌍 Premium experiences & lounges
🚘 Concierge & lifestyle privileges

In many cases, issuers may not earn significant direct profits from these cards. Instead, they use them to attract affluent customers 💼💰 and cross-sell:

📈 Wealth management
💵 Investments
🛡️ Insurance
🏦 Premium banking products
💎 High-margin financial services

👉 That’s perhaps why in premium cards we are seeing higher eligibility criteria 🚪⬆️ and stricter entry barriers… rather than outright devaluations 📋

Of course, devaluations can also be driven by:

⚖️ Regulatory changes
💰 Rising reward costs
🏦 Issuer profitability pressures
📊 Competition
🌎 Changing spending behaviour

So… what’s your view? 🤔👇

Is the decline in credit revolvers one of the biggest reasons behind shrinking rewards? Or are there other factors driving the wave of devaluations? 💬

As per this news article, the trend is going to continue in near future. So, would we see more such devaluations 🤔🤔🤔

Share your views in comments 👇👇👇

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in/

Some links may be referral links in the above post. It supports the page without any cost to you.

#creditcard #spendwisely

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1 week ago | [YT] | 31

SpendWisely

HDFC Marriott Card’s Free Night (worth 15000 Marriott Points) and Amex Reserve Credit Card’s 19000 points as May 2026 joining offer can be a great combo to book any luxury Marriott property.

🏨 HDFC Marriott Bonvoy Credit Card (₹3,540 annual fee) gives 🎁 1 FREE Night Stay worth 15,000 Marriott Bonvoy points — guaranteed every year, zero spend required on card!

👉Plus you get 🪙 Free Marriott Bonvoy Silver Elite Status every year — which comes with surprise perks at properties (I personally got complimentary breakfast at St Regis Goa, Fairfield Goa & a Suite upgrade at Lapita Marriott Dubai — just from Silver Status 🥳)

💳 Amex Platinum Reserve Credit Card if apply in May 2026 via referral (₹11,800 joining fee), you get 🎁 19,000 Amex MR Points — fully convertible to 19,000 Marriott Bonvoy points at 1:1 ratio

👉Total 34000 Marriott points

✅✅✅ Good enough to book many luxury Marriott properties.

Plus following additional benefits with these cards👇👇

🏨 Free Accor Explorer Membership with Amex — 15% discount on stays worldwide, 30% off Food & 15% off Drinks across Asia Pacific, free drink per person per stay worldwide & Red Hot Rooms deals upto 50% off

🍽️ FREE Taj Epicure Membership Anex — 20% discount on Taj Hotel stays, 25% discount on Food & Beverages at Taj properties & 20% discount on Spa 🛁

+ 12 Domestic & 12 International Airport Lounge + Golf Games from HDFC Marriott,

Overall, the travel savings go well beyond just one stay 🙌

In case, you want to apply,👇

👉 Link to Apply HDFC Marriott Bonvoy Card: bit.ly/3YDhaXr

👉 Link to Apply Amex Platinum Reserve Card (with Referral offer): bit.ly/46eCjfc

📘 Visit SpendWisely Blog: For Detailed credit card reviews & guides 👉 spendwisely.in
Some links may be referral links in the above post. It supports the page without any cost to you.

1 week ago | [YT] | 17

SpendWisely

1 Marriott Point = More than Rs.2. ✅✅✅. Yes, it’s possible 👇👇👇

Booked the newly launched JW Marriott Ranthambore Resort & Spa for 2 nights during the October long weekend using just 70,000 Marriott Bonvoy points 🏨🌿🐅

👉 Got an unbelievable value of ₹2.09 per Marriott point 🔥

This is the real magic of dynamic hotel redemptions ✨
Sometimes, the value you unlock from points can be absolutely insane!

💰 Cash price for the same stay: ₹1,46,320
🎯 Redemption used: 70,000 Marriott Bonvoy points
📈 Effective value: ₹2.09 per point 🤯

What makes this even crazier is that out of these 70,000 points, 15,000 points came from the FREE annual award night of the HDFC Bank Marriott Bonvoy Credit Card 💳

👉 That free night certificate, effectively against the card’s annual fee of just ₹3,540, alone saved me around ₹31,350 😱🔥

✅ Credit Cards Turning Dream Holidays into Reality ✈️🏨✨

👉 May Offer: Get 19,000 Amex Membership Rewards points (fully convertible into 19,000 Marriott Bonvoy points) + Accor Explorer Membership 🌍 (15% off Accor hotel stays worldwide, 30% off food & 15% off drinks across Asia Pacific, Accor Silver Status with 20 status nights, plus free drinks worldwide 🍹) + Taj Epicure Membership 🏨 (20% off Taj stays, 25% off food & beverages, 20% off spa treatments) + EazyDiner Prime Membership worth ₹2,500 🍽️

🎯 All this with the Amex Platinum Reserve Credit Card on paying the joining fee of ₹11,800 including GST.

👉 Link to Apply: bit.ly/46eCjfc

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in

Some links may be referral links in the above post. It supports the page without any cost to you.

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2 weeks ago | [YT] | 15

SpendWisely

The Grand Offer by Air India’s Maharaja Club😍🥰😍🥰😍

👉Air India brought back its grand bonus airmiles offer
👉You can transfer your credit card reward points (and even Flipkart super-coins) to Air India Maharaja Club and can get upto 50% Bonus Airmiles 😱😱😱

👉The offer is Not applicable to Axis Bank and HSBC(India) Credit Cards. But most other banks like ICICI, HDFC, SBI Air India Card, Indusind Tiger, Jupiter, Kotak, even Flipkart Super Coins etc .are included for bonus offer

👉Most Important Things

1️⃣ Registration for the Offer is mendatary before initiating transfer.

Offer Registration Link: www.airindia.com/in/en/maharaja-club/partner-offer…

2️⃣ Only First transfer from each of the partner banks or lifestyle brands like Flipkart Super Coins will earn bonus rewards.

So, for example in my case, first transfer from my ICICI EPM, Jupiter Edge+, Flipkart Super Coin etc will earn bonus rewards.

3️⃣ Maximum 2 Lacs bonus points per partner. Huge limit 👌👌👌

4️⃣ Offer Period: 1st May to 31st May 2024

👉Tip: I would wait for next statement generation in most of my credit cards before initiating transfers, so my current cycle reward points also get bonus miles.

👉Infinia Points: I have points in my Infinia. But not sure if I will transfer my Infinia points to Air India as even with bonus it will give 0.75 Air India Mile for 1 Infinia Point.

Whats you plan ? Mention in comments 👇👇👇

Press Like button and Share or Repost if you found it informative 😊.

Follow “SpendWisely” for updates, info and tips about credit cards and online shopping.
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SpendWisely Blog: Get full details and in-depth review of every popular credit card on SpendWisely Blog. Here is the link 👉 spendwisely.in/

3 weeks ago | [YT] | 11

SpendWisely

🏆 Most comprehensive comparison of India’s Best credit cards 💳🔥

With constant devaluations across premium & super-premium cards, many of us are rethinking our card portfolios 🤔📉

To simplify this, I’ve built a practical comparison that actually helps decision-making 👇

📊 What’s inside:
👉 Reward rates across key spends — travel, dining, online & more
👉 Side-by-side benefits comparison
👉 Clear view to identify the best-fit card for YOU

📁 2 Powerful Sheets:
✅ Sheet 1: Reward rates across categories
✅ Sheet 2: Benefits — lounge access, milestones, fees & perks

📥 Editable Excel File (with formulas) available on SpendWisely Telegram Channrl to help you make your own Credit Card strategy. Link: 👉 t.me/+ltz_mpOC1wcxZTU1

⏳ It took significant effort to build this. If you find it useful and plan to apply any Credit Card, consider using my referral links — supports SpendWisely at no extra cost 🙏

💳 Apply Links:
🔵 HSBC TravelOne 👉 bit.ly/44o6iBz

🔴 Axis Bank Cards 👉 bit.ly/3vuEax7

🔷 HDFC Bank Cards 👉 bit.ly/3TM4IUK

🟢 Amex Platinum Reserve 👉 bit.ly/46eCjfc
(🎁 19,000 points if applied Amex Reserve Credit Card before 31 May)

⚡ Scapia LTF 👉 bit.ly/4edJlDV
(🎁 Get ₹500 Amazon Pay + 1,000 coins on joining Scapia Card)

💬 If you spot any correction ? Comment below👇

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in/
Some links may be referral links. Supports the page at no extra cost.

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1 month ago | [YT] | 37